EHB 3 Rate Change Reminder

We recently had the data from the previous benefit year re-analyzed and have determined that Sun Life made an error in the premium adjustment for Extended Health Plan 3 for 2016. While it was originally determined that the monthly premium rates would increase by 27%, the monthly premium rates should have increased by only 11%. The premium adjustments for both Extended Health Plan 1 and Plan 2 were accurate and did not need to be adjusted further.

Effective January 1, 2016, the new monthly premium rates for Extended Health Plan 3 are as follows:

  • Single Coverage Premiums: $70.02
  • Couple Coverage Premiums: $140.07
  • Family Coverage Premiums: $140.07

These new rates were implemented effective April 1, 2016.

Consequently, this meant that there was an overpayment of premiums for the months of January, February, and March. This overpayment was refunded to you by way of a reduction to your May 1st monthly benefit payment. We apologize for any inconvenience this may have caused. If you have any questions, please contact Janet Poupart at 604-822-4580 or janet.poupart@ubc.ca.

Reminders/FAQ: Summer 2016

Sun Life has updated their system and requires plan members to have a six-digit Contract/Policy number. Please ensure you are using Contract/Policy Number: 020605 when making any Extended Health or Dental claims.


Effective September 30, 2016, Sun Life will be closing their claims processing departments at all locations other than their Waterloo and Montreal offices. For any Extended Health and Dental claims to be submitted by paper form, please mail to:

Sun Life Assurance Company of Canada
PO Box 2010 Stn Waterloo
Waterloo, ON N2J 0A6

or

Sun Life Assurance Company of Canada
PO Box 11658 Stn CV
Montreal, QC H3C 6C1

Paper claim forms can be found on our website at hr.ubc.ca/benefits/forms/ and selecting ‘Retirement & Survivor Benefits Plan’.


Misplaced a past issue of the Viewpoints newsletter? Previous issues of the Viewpoints newsletter can be found on our website.


All claims made under your Extended Health benefits contribute towards your deductible (including prescriptions, physiotherapy, chiropractors, travel claims, etc.) More information on what coverage is included under your Extended Health benefits can be found here.


Europ Assistance Contact Information:

In the USA and Canada, call 1-800-511-4610
In Mexico, call 001-800-368-7878
Elsewhere, call 1-202-296-7493
(call collect if available)

If you need to fax or email documents to Europ Assistance, the fax number is 1-202-331-1528 and email address is ops@europassistance-usa.com.

Sun Life Rate Changes for 2016

Each year, the Sun Life Extended Health and Dental Care plans are reviewed with UBC’s Benefits Consultants to determine the appropriate premium rates to support claim costs expected for the upcoming year.

The following tables outline the required rate adjustments to the Extended Health and Dental Care plans, effective January 1, 2016. The renewal rates are based on analyzing 12 months of past experience (July 1, 2014 – June 30, 2015) while incorporating ongoing inflation.

Dental Plan Current 2015 Monthly Rates New 2016 Monthly Rates
Effective January 1, 2016
Adjustment
Single $44.19 $42.42 – 4%
Couple $88.65 $85.10 – 4%
Family $131.43 $126.17 – 4%
Extended Health Plan Current 2015 Monthly Rates New 2016 Monthly Rates
Effective January 1, 2016
Adjustment
Plan 1 (LTM* $15,000)
Single $61.05 $51.89 – 15%
Couple $122.11 $103.79 – 15%
Family $122.11 $103.79 – 15%
Plan 2 (LTM* $50,000)
Single $100.93 $100.93 0%
Couple $203.87 $203.87 0%
Family $203.87 $203.87 0%
Plan 3 (LTM* $200,000)
Single $63.05 $70.02 + 11%
Couple $126.19 $140.07 + 11%
Family $126.19 $140.07 + 11%

 

*These numbers reflect the updated numbers for 2016. If you have any questions, please contact Janet Poupart, Retirement Benefits Administrator, at 604-822-4580 or janet.poupart@ubc.ca.

Medical Service Plan (MSP) Rate Changes for 2016

The Medical Services Plan (MSP) is the provincial government program that covers medically required services provided by physicians and supplementary health care practitioners, laboratory services and diagnostic procedures. Recently, the Province of British Columbia has announced the rate changes for Medical Services Plan (MSP). Effective of January 1, 2016, the premiums will increase by 4.2%.

 MSP Rates

2015 Monthly Premiums

Monthly Premiums Effective Jan 1, 2016

Individual

$72.00

$75.00

Family of two

$130.50

$136.00

Family of three or more

$144.00

$150.00

Difference between MSP and Extended Health Benefits

Canada has an extensive publicly financed and comprehensive health care system that pays for essential physician and hospital care.

As comprehensive as Canada’s health care system is, not all medically necessary health, dental and welfare services are covered, and provinces and territories will vary in their coverage of these services to their residents. Services that are not covered by the system may be reimbursed by the patient’s Extended Health and/or Dental Care plans, or paid out-of-pocket by the patient.

Sun Life, the Extended Health and Dental Care provider, has developed a number of comprehensive Health Care Guides outlining the coverage options for six common health events by province. The six health events are:

  • Disability Protection
  • Home Care
  • Long Term Care
  • Palliative Care
  • Prescription Drugs
  • Travel Emergency Health

To view the Health Care Guides, please visit Sun Life’s website at www.sunlife.ca, then selecting “About us” on the toolbar on the top of the screen, and clicking on “Who pays for healthcare?”. From there, you are able to filter results by your province.

The Health Care Guides provide information on what is covered by the public health care system. Extended Health benefits for those enrolled through the Retirement & Survivor Benefits Program (RSB) provide additional coverage on top of public system coverage. For example, the BC Medical Services Plan pays for the cost of a shared (ward) hospital room. The RSB Extended Health Plan will reimburse 80% of the additional cost of a semi-private or private hospital room after meeting the annual deductible.